Debt Help?

[pelham9]

The DCA have contacted me more recently about it saying that if I can proove I didn't have this contract then they will drop it.....

 

That is a typical DCA nonsense. It is they who have to prove the contract not you. You cannot prove a negative.

 

My advice to you is

 

a) stop phoning anybody except O2 fraud - get everything in writing. Send you letters recorded delivery.

 

b) Do not communicate with the DCA in anyway particularly by phone. If they phone you refuse their security questions and they cannot continue. If they try to do so put the phone down. Sounds rude but you should not give your security details to anyone over the phone unless it is you have initiated the call. It is a favourite trick of indentity thieves to impersonate a DCA.

 

c) communicate only with O2 and then only in writing. Keep all correspondence. One exception - if O2 fraud communicate with you it is sensible as a matter of urgency to use the phone.

 

 

You have done the right thing to request a copy of the contract if it is in writing. If it was a phone contract they must send you the recording - if there is no recording there is no contract. You believe that the contract they say they have is a fraud - make them prove it. It is not enough for them to say that the contract must be yours simply because it has the right details. As you say it would have wouldn't it. You must offer to help their fraud department by actually seeing the paper or hearing the phone contract. It is very likely that as this is a fraud there is something in a paper contract that proves it and a phone contract will not have your voice. One wonders how good their fraud dept. is if this is the outcome of their investigation. Have you had any direct communication from the fraud department. If you have not I suspect it was never passed to them for investigation.

 

 

When you have sorted O2 you can go back to the DCA for the money they say was paid into the fraudulent account or have it applied to the CAP1 account.

 

You should be seriously worried about indentity theft. For all you know there may be bank accounts and credit cards out there in your name running up thousands of pounds in debt. Immediately (this moment!) go online to Experian and request a report online (costs £2) and check. O2 or the DCA may have already put a default marker on a CRA file.

 

 

Keep us informed.

[pelham9]

Have you requested a copy of your credit report yet! ?

 

If you have not been defaulted by O2 or the DCA you will find nothing about this disputed account on your report. They do not report acccounts until there is a default. or a poor payment record.

 

The importance is that there could be identity theft here and you must check this - not the O2 account but other accounts in your name opened by a fraudster.